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    • Update on this for you:   Quick reminder, I wrote to Ford Finance for the SAR, and I also wrote to Link (again) requesting a breakdown of the alleged debt and how it was calculated. I have since had two identical letters from Link at the beginning of October just saying I owe them £628.83, but nothing addressing the alleged debt calculation/explanation whatsoever.   At the same time as the above letters, I also contacted Experian to refute the default on my credit record that Link had placed there. Experian have emailed to say they contacted Link and have had no response from them within 28 days regarding this, so Experian have suppressed this information from my report.   The SAR reply from Ford Finance has arrived. The £628.83 charge shows on the SAR comprising as "£14.99 D/Charge" (whatever that is), and "XS mileage £612.84", apparently worked out pro-rata.   As ever, any advice or comments most gratefully received as to how to proceed.   Thanks.    
    • Ok, so I would just ignore demands from ARC for now.   See what they do over the next few weeks and keep us posted ...........
    • click create in the top red banner   dx  
    • ok but that doesn't give us dates.....  
    • DD cancelled roughly a month after they stopped taking payment. Last used the gym a day before they closed. Used it almost daily. 
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      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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United Untilities / 1st Credit Issue


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Hi all, this is my first post on this forum so a quick hello to you all.

 

My partner has today recieved a letter from a company called '1st Credit' claiming my partner owes United Utilities £1663.50. She hasn't lived at the property for around 5 years 3 months and refutes that she actually owes UU this amount.

 

After reading these forums i believe that the first step in defending against this demand is to send a CCA (a letter requesting infomation/evidence regarding the debt) to the company (1st direct). Do i need to also send this letter to UU? Is this the correct action to take?

 

Thanks in advance,

 

Olly.

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Utility bills aren't covered by the CCA. Send the prove it letter and see what they come back with.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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also contact UU and ask for a statement of accounts and the dates tht this debt refers to

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Dear Sir or Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collectionlink3.gif, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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  • 4 weeks later...

Turns out most of the 1600 quid was from tenants who have lived in the property the bill relates to failing to pay the subsequent bill after my Partner vacated her previous address.

 

UU have however sent a revised bill claiming (she still disputes this) there is still £724 on the account for which she is liable. The bill is broken down exactly as stated below.....

 

Bill date 8 September 2010

 

Summary

Amount due on bill > sent on 24 Feb 04 £666.05

Outstanding balance brought forward £666.05

New Charges > see below £58.01

Total Charges this year £724.06

Amount now due £724.06

 

New Charges from 1 April 2005 to 8 August 2005

Water

Standing Charge 130 days @ £41.00 per year £14.60

Rateable Value Charge £16.70

Total water charges £31.31

 

Wastewater

Rateable value charge £26.70

Total wastewater charges £26.70

New Charges 1 apr 05 to 8 aug 05 £58.01

 

 

Can she dispute liability for the section of the bill dated 24 feb 04 (obviously theres a small section of it she may be liable for) under the statute of limitations act/bill/regs. She's quite willing to pay the £58.01 and whatever she may be liable for after 8 Sept 04.

 

Where does she stand on this? She went to CAB for advice and they basically said she might be better off just ignoring it rather than making any contact which could be classed as acknowledgement.

 

Any help on this will be greatly appreciated.

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I would advise sending an SAR request to UU. Does your partner recall paying a final bill upon leaving the property, on what date? If you do not want to pay the £10 SAR fee then send a letter saying the account is disputed and request a breakdown of the amounts owed up to date of leaving property, plus a history of payments made.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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and demand their complaints procedure for instructing 1st crud to try and make her liable for all the alledged debt, when they obvioulsy knew it was for different tenants

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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She doesnt recall paying a final bill upon leaving the property (im pretty sure she didnt) and UU claim that her last payment was made sometime in 2001.

 

She vacated the property 8th August 2005. She informed UU that she had left on this date after the initial letter demanding £1600 by sending a document stating the date of the termination of her tenancy agreement from the housing association she was with.

 

UU have agreed to freeze the account for 2 weeks. Is there any way i can freeze the account further whilst i wait for the SAR to be processed and sent back?

 

Is it worth simply phoning UU and informing them of the statute of limitations and pointing out that the majority of the debt is from over 6 years ago or would this be classed as acknowledgement?

 

Cheers

 

Olly:???:

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Anything that is past 6 years is now SB, so cannot be resurrected, EVER. So what ever they are trying to say is owed past September 2004, is dead and buried, tough cheddar bye bye.

 

Summary

Amount due on bill > sent on 24 Feb 04 £666.05

Outstanding balance brought forward £666.05

New Charges > see below £58.01

Total Charges this year £724.06

Amount now due £724.06

So whatever that bill is for, and however it is made up, IS statute barred.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I thought utility companies couldn't go back MORE THAN 1 YEAR if they hadn't billed already for older consumption?

 

Am I just getting confused (again!)?:???:

 

BD

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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No that is a good point, a very good point!

Eh Voila!

http://www.energy-retail.org.uk/AbouttheCode.html

 

I still think it is SB..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Glad to shee my memory shtill worksh shometimesh - now where did I put the glash with my teeth?

 

BD

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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So in in all your opinions i should send the statute barred letter to discount all the amount incurred before Sept 04?

 

How do i word letter / approach this bearing in mind she may be liable for the amount inccured after this date?

 

Thanks for all your help

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As I said above, confirme dby Bazooka Bob, it looks as if utility companuies CANNOT chase - even for debts otherwise actually legitimately owing to them - if such debts are more than a year old and they failed to send out appropriaite bills in a timely manner. Does that not mean your partner owes nothing to UU?

 

[EDIT]

 

Given that I would just send out a letter along the lines suggested by Harassed Senior above - but adding a paragraph about utility debts (NB - debts - not bills) over 1 year old. There was more chapter and verse on this given Bazooka Bob's post above.

 

Don't do any more than that - it's not up to you to do 1st credit's job for themin working out who actually owed UU what - you owe them nothing - not even courtesy!

 

Good luck

 

BD

Edited by alanfromderby
Please keep posts factual, or cite evidence where giving opinion. Thanks.

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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Yes anything pre 2004, is SB, do you know the exact date in sept 2004?

 

This is the letter to send them for SB debts.

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I think sending an SB letter is too helpful - and still raises the question of the amount owing from Sep 2004 until Aug 2005.

 

In my view the guidleines on utility debts deal with everything over a year old - even things not SB - which means nothing is owed by your partner to UU. I would send Harassed's letter modified with the point about older unbilled utility debts over 1 year old.

 

I take it you can prove your partner did give them a forwarding address which they ahve not used (via 1st credit?) until recently?

 

BD

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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  • 3 weeks later...

:!:Hello again,

 

After sending the statute barred letter we have today recieved a 2 page letter from a united utillities. I have also spoken to the case manager who is dealing with the dispute. He claims that the original letter my partner sent disputing the amount is classed as 'aknowledgement' of the debt.

 

The original letter contained a document detailing the termination of her tenancy agreement. She also stated in the letter ''as you can see from the enclosed infomation i vacated the property this bill relates to on 08/08/05''

 

Is this classed as aknowledgement or are they trying it on to get the full amount.

 

The case manager i spoke to has also verbally offered to negotiate a payment plan with my partner and keep the matter out of the hands of first credit.

 

 

Not sure what to do now!:jaw:

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They can't do diddly squat as far as the statute barred aspect goes....if there is a clear gap of 6 years then it will stay statute barred nothing can unbar it.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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[EDIT]. It is ridiculous to suggest that disputing an alleged debt is the same as acknowledging it - if that were the case it would be impossible to dispute any amount. [EDIT]

Edited by alanfromderby
Unhelpful comments removed.
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What should i do now then. The case manager - who was quite polite by the way more or less said thats it and that we have no recourse. He was adamant the first letter she sent (not the statute barred letter) was aknowledgement). Any help is greatly appreciated!

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Two things:

 

1. ANY debt where no payment has been made or debt acknowledged in writing for over 6 years old is SB - END OF!

2. ANY UTILITY debt not chased up for over 1 year CANNOT be collected after that period of time - END OF.

 

What to do now?

 

1. Tell the "polite" case manager to put what he/she said IN WRITING.

2. Once (IF!) you get this proof of their deception then complain to FOS and OFT - They are VERY interested in 1st Credit - their No. 1 bad boy among DCA's (quite a feat- considering the competition for this title!).

3. Complain to OfGEM that you're being chased for a very old (and disputed) utility bill - against the Utility billing rules (not sure correct term for this?)

4. REFUSE to pay ANYTHING or talk to them again by phone - send phone harassment letter if necessary.

 

These people will try ANYTHING to earn their commission - no shame or conscience - but fortunately no sense either!

 

Don't worry. They CANNOT win this one - even if our new "government" is doing its best to help them all.

 

Good luck

 

BD

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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This now brings you to a whole new raft of complaints.

http://www.consumerdirect.gov.uk/contact

 

Start with them first, three birds with one stone, as they will pass your complaint directly to the OFT & TS who sit alongside.

 

As far as 1st Crud go, thats it, it's ran it's course, they have been instructed that the alleged debt is SB, if they fail to acknowledge this and continue to process data (CRF) and harass for payment, then they should be issued with a LBA and a S10 notice to stop or legal action will be taken and damages will be claimed.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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P.S. The billing code states that they cannot bill you for any billing period OLDER than 12 months IF, they have failed to contact you within this period and send you a bill.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Page 9 http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Statute barred debt

2.13 This guidance applies to the pursuit of debt regardless of its age. We will be

carrying out further work on this aspect of debt recovery including analysis of

relevant legislation and practice throughout the UK.

 

2.14 In the past we have dealt with a number of statute barred debt cases governed by

the Limitation Act 1980, which applies to England and Wales. Based on that

experience our position with regard to England and Wales remains:

 

a. we accept legally the debt exists

b. it is the methods by which the debt is collected that can be

unfair as follows:

• it is unfair to pursue the debt if the debtor has heard nothing from

the creditor during the relevant limitation period

• if a creditor has been in regular contact with a debtor before the debt

is statute barred, then we do not consider it unfair to continue to

attempt to recover the debt

it is unfair to mislead debtors as to their rights and obligations, for

example, falsely stating or implying that the debt is still legally

recoverable and relying on consumers not knowing the relevant legal

provisions, and

continuing to press for payment after a debtor has stated that they

will not be paying a debt because it is statute barred could amount to

harassment contrary to section 40 (1) of the Administration of

Justice Act 1970.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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